When trying to understand the distribution of the housing stock for Monroe county based on the year it was built, we break the stock down into the following categories:
When we combined all the categories of houses built before 1980 for Monroe county, we find that 76.7% of the total housing stock for the county was built in the years before 1980. That number for New York state is 81.4%. This is not an insignificant difference since it implies that the housing stock for Monroe county is not as old as the housing stock for the state of New York. Older homes tend to need a lot more repair and don't always appraise very well which makes it difficult to approve financing on these homes from lenders. Older homes also tend to have the need for more upkeep and they tend to be excellent candidates for home improvement based home equity loans - newer homes on the other hand don't need need as much fixing up.
When we further examine the housing stock by year built we find that in Monroe county the housing stock built after 1990 accounts for 13.8% of the total housing stock as compared to only 11.1% for the state of New York. This once again reinforaces our early deduction that the housing stock of Monroe county is indeed much newer than the housing stock for the state of New York.
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